Welcome to our presentation

The city bank limited

Group Profile

An overview of the city bank limited

• City Bank is a service-oriented organization• It is the first bank in Bangladesh to have issued dual

currency credit card• City Bank has launched American Express Credit Card

and American Express Gold Credit Card in November 2009

• City Bank is one of the largest corporate banks in the country with a current business model that heavily encourages and supports the growth of the bank in Retail and SME Banking.

Vision of City Bank• Their vision is always stretching and far fetched.• It sets the tone for their organization and gives a common

direction to their employees.• They have re-engineered their vision to define a path

towards their envisioned future.

Mission of City Bank

• Offer wide array of products and services that differentiate and excite all customer segments

• Be the “Employer of choice” by offering an environment where people excel and leaders are created

• Continuously challenge processes and platforms to enhance effectiveness and efficiency

• Ensure respect for community, good governance and compliance in everything we do

Core Values of City Bank Limited

• Result Driven • Accountable & Transparent • Courageous & Respectful • Engaged & Inspired • Focused on Customer Delight

Strategy of City Bank

• Making business strategy flexible to keep us on track for a sustainable growth

• Having a strong customer focus and build relationships based on integrity, superior service and mutual benefit

• Maintaining sound capital base to support growth• Ensuring responsible corporate governance through

conformity with the law and by conducting all our actions honestly, responsibly and ethically

Historical Background of The City Bank Limited

• City Bank is one of the oldest private Commercial Banks operating in Bangladesh

• The Bank started its journey on 27th March 1983 through opening its first branch at B. B. Avenue Branch in the capital, Dhaka city.

• . City Bank is among the very few local banks which do not follow the traditional, decentralized, geographically managed, branch based business or profit model

Objectives of the bank

• The City Bank Limited made a remarkable progress practically in every sphere of its functions.

• The active of the CBL are very implicit and vast comparing to that of other banks in the country today.

• The theme of the bank is ‘For Relationship Banking’.• The prime objectives of the CBL are to create a strong

capital base, to earn good profit and pay to the shareholders.

Strategies of The City Bank Limited

CBL manages its business and operation vertically from the head office through 4 distinct business divisions namely

•   Corporate & Investment Banking;•   Retail Banking (including Cards);•   SME Banking; &•   Treasury & Market Risks

Three major functions of  the Bank-•   Taking Deposit.•    Extending Loans & Advances.•    Foreign Exchange Business. Under the umbrella of foreign exchange businesses are given below-• Export Business.•  Import Business.•  Foreign remittance.

Market Share

• The market share of The City Bank Limited in terms of deposits in the industry has increased during FY 2003.

• They deposit of Tk. 1,134.37 billion and loans and advances of Tk. 895.37 billion.

• The private commercial banks has a deposit of Tk 464.40 billion and loans advances of Tk. 372.42 billion on Dec 2003.

Product and Services of The City Bank Limited

• 1. Service of CBL.• 2. Retail Banking.• 3. SME Banking.• 4. Corporate and Investment Banking.• 5. Dual Currency Credit Card.• 6. Computerization and Online Service.

• 7. Islamic Banking.• 8. SWIFT Banking.• 9. SMS Banking.• 10. Corporate Governance.

City Bank Card Service

We bring you the CityMax Card a unique Card linked to customers Savings Account that not only gives them up to 5% Cash back all year round.

• Enjoy 5% Cash back all year round.• Earn 1% Cash back on every single purchase.• Earn Interest on your Bank Account for 15 days on the

money you have spent with CityMax Card.

Functional Division of The City Bank Limited

• Financial Division.• Credit and risk management.• Human Resource Division (HRD).• Information Technology (IT) department.• Branch control & Inspection Division• Retail Division.• City Bank Treasury and Market Risk Division.

SWOT analysis of The City Bank

The City Bank’s internal strengths and weaknesses and external opportunities and threats as I have explored that are:

•  “S”- Strengths.•  “W”-Weaknesses.•  “O”-Opportunities.•  “T”-Threats.

Strengths:-• Stable source of fund.• Strong Liquidity Position.• Wide Network of branches.• Experienced Top management.• Diversified Product line.• Satisfactory IT infrastructure and online banking.

Weaknesses:-•  Asset infection rate is still high.•  Relatively high  overhead expense.•  Problem in Delivery.

Opportunities:-•  Regulatory environment favoring.•  Private sector development.•  Credit card business.•  SME and Agro based industry loan.

Threats:-• Deposits as well as quality assert.• Market pressure for lowering the interest rate.• Shrinkage in export, import and guarantee.• Business due to economic slump and war.• Frequent currency devaluation.• Emergence of Competitors.

Conclusion

• Modern Commercial Banking is challenging business.• The City Bank now in good position compared to previous

some year.• It can be more improved in its position, if it gives more

concentration in its credit-monitoring sector.• The bank should redesign all sorts of banking procedures

to be more user-friendly, attractive and impressive.

Thank You